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NATIONAL ASSOCIATION OF REALTORS® (NAR)	A real estate trade organization that sets the standards for integrity and honesty within the real estate profession nationwide
Negative amortization	A gradual increase in the balance of a loan or mortgage which occurs because the monthly payments made are too small to cover the entire principal and interest charges; this shortfall amount is added to the remaining balance, resulting in negative amortization
Net listing	The advertisement of the price of property for sale in terms of the net price the seller will receive, once the property is sold, a type of listing which is illegal in many states
Net worth	The total value of all of an individual's assets, minus all liabilities or debts
No cash-out refinance	A transaction for refinancing a mortgage in which the new mortgage amount is limited to the sum total of the remaining balance of the first mortgage, points, closing costs, whatever is required to satisfy any liens that are more than one year old and other funds for the borrower's use (as long as the amount is one percent or less of the principal amount of the new mortgage)
Notary	An individual authorized by law to certify documents and signatures
Note	A legal document that obligates a borrower to repay a loan or owed sum of money at a stated interest rate over a designated period of time

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Renee Apfelbeck Summit County For Sale 348 Lake Dillon Drive/PO Box 712 Dillon, CO 80435 Direct: 970-468-0737 Toll Free: 877-470-0918 Cell phone: 970-470-0918 Fax: 425-696-5252 Renee@SummitCounty4Sale.com Renee Apfelbeck offers you 16 years of personalized real estate experience with extensive knowledge in the Summit County Area, dealing primarily with luxury resort homes. I give each and every one of my clients the loyalty, professionalism, and personal care that you would want and expect. I love the Summit County area and I know it from the inside out. Working together, I promise that you will be delighted not only with the outcome we achieve, but the way we have achieved it. www.SummitCounty4Sale.com is brought to you by Renee Apfelbeck, real estate for Silverthorne, Frisco and Keystone, Colorado Read Renee Apfelbeck's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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